The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,061
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$2,088/mo
Today · 4.125%
HK$70,204
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$4,271/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,408/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,492
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$2,000/mo
Today · 4.125%
HK$77,463
baseline
▲ 0.50% · 4.625%
HK$81,546
+HK$4,083/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,926/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,273
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,505/mo
Today · 4.125%
HK$84,244
baseline
▲ 0.50% · 4.625%
HK$89,371
+HK$5,127/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,488/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,399/mo
Today · 4.125%
HK$92,955
baseline
▲ 0.50% · 4.625%
HK$97,855
+HK$4,900/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,910/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,486
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,362
−HK$2,923/mo
Today · 4.125%
HK$98,285
baseline
▲ 0.50% · 4.625%
HK$104,266
+HK$5,981/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,570/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,889
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,649
−HK$2,799/mo
Today · 4.125%
HK$108,448
baseline
▲ 0.50% · 4.625%
HK$114,164
+HK$5,716/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,896/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,910
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,609
−HK$3,758/mo
Today · 4.125%
HK$126,367
baseline
▲ 0.50% · 4.625%
HK$134,056
+HK$7,689/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,734/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,286
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,834
−HK$3,599/mo
Today · 4.125%
HK$139,433
baseline
▲ 0.50% · 4.625%
HK$146,783
+HK$7,350/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,866/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,264 · Scale 2, in force from 26 Feb 2026)